Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,325 |
| Cost of funding earning assets | 1.1989% | 260 |
| Net interest margin | 3.6391% | 3,230 |
| Noninterest income to average assets | 0.0577% | 5,326 |
| Noninterest expense to average assets | 1.3573% | 5,346 |
| Loan and lease loss provision to assets | 0.2792% | 540 |
| Net operating income to assets | 1.3512% | 1,659 |
| Return on assets (ROA) | 1.3517% | 1,672 |
| Pretax return on assets | 1.8902% | 833 |
| Return on Equity (ROE) | 12.7492% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.7492% | 387 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4940% | 5,361 |
| Assets per employee ($millions) | 13.4224% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,657 |
| Loan loss allowance to noncurrent loans | 360.8527% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 3,232 |
| Noncurrent loans to loans | 0.3908% | 3,254 |
| Net loans and leases to total assets | 90.9140% | 49 |
| Net loans and leases to deposits | 113.4624% | 198 |
| Net loans and leases to core deposits | 169.5851% | 70 |
| Total domestic deposits to total assets | 80.1269% | 4,087 |
| Equity capital to assets | 11.1251% | 2,540 |
| Core capital (leverage) ratio | 11.0909% | 2,494 |
| Tier 1 risk-based capital ratio | 12.9389% | 3,943 |
| Total risk-based capital ratio | 14.1920% | 3,846 |
| Memoranda: | ||
| Average total assets | $214,932,250 | 2,747 |
| Average earning assets | $204,843,500 | 2,696 |
| Average equity | $22,787,750 | 2,847 |
| Average total loans | $193,013,500 | 2,234 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,437 |
| Cost of funding earning assets | 1.1264% | 260 |
| Net interest margin | 3.5999% | 3,312 |
| Noninterest income to average assets | 0.0474% | 5,406 |
| Noninterest expense to average assets | 1.3619% | 5,413 |
| Loan and lease loss provision to assets | 0.2791% | 520 |
| Net operating income to assets | 1.3128% | 1,721 |
| Return on assets (ROA) | 1.3135% | 1,718 |
| Pretax return on assets | 1.8382% | 892 |
| Return on Equity (ROE) | 12.5961% | 1,506 |
| Retained earnings to average equity (ytd only) | 12.5961% | 436 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1549% | 5,415 |
| Assets per employee ($millions) | 12.7506% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,841 |
| Loan loss allowance to noncurrent loans | 286.6594% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 3,022 |
| Noncurrent loans to loans | 0.4788% | 3,003 |
| Net loans and leases to total assets | 87.6112% | 160 |
| Net loans and leases to deposits | 109.2374% | 302 |
| Net loans and leases to core deposits | 158.7785% | 81 |
| Total domestic deposits to total assets | 80.2026% | 4,195 |
| Equity capital to assets | 10.6703% | 2,957 |
| Core capital (leverage) ratio | 10.6236% | 2,897 |
| Tier 1 risk-based capital ratio | 12.6912% | 4,065 |
| Total risk-based capital ratio | 13.9437% | 3,972 |
| Memoranda: | ||
| Average total assets | $214,990,330 | 2,768 |
| Average earning assets | $204,894,330 | 2,711 |
| Average equity | $22,419,670 | 2,889 |
| Average total loans | $191,338,670 | 2,252 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,660 |
| Cost of funding earning assets | 1.0728% | 257 |
| Net interest margin | 3.4999% | 3,535 |
| Noninterest income to average assets | 0.0486% | 5,477 |
| Noninterest expense to average assets | 1.3676% | 5,462 |
| Loan and lease loss provision to assets | 0.2802% | 484 |
| Net operating income to assets | 1.2241% | 1,911 |
| Return on assets (ROA) | 1.2256% | 1,918 |
| Pretax return on assets | 1.7244% | 1,057 |
| Return on Equity (ROE) | 11.8921% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.8921% | 698 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5765% | 5,444 |
| Assets per employee ($millions) | 12.9350% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,367 |
| Loan loss allowance to noncurrent loans | 1,640.1316% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 4,746 |
| Noncurrent loans to loans | 0.0777% | 4,636 |
| Net loans and leases to total assets | 87.7851% | 146 |
| Net loans and leases to deposits | 110.1917% | 251 |
| Net loans and leases to core deposits | 161.2940% | 82 |
| Total domestic deposits to total assets | 79.6657% | 4,466 |
| Equity capital to assets | 10.1767% | 3,421 |
| Core capital (leverage) ratio | 10.7017% | 2,738 |
| Tier 1 risk-based capital ratio | 11.9945% | 4,546 |
| Total risk-based capital ratio | 13.2457% | 4,445 |
| Memoranda: | ||
| Average total assets | $214,105,000 | 2,801 |
| Average earning assets | $203,208,500 | 2,760 |
| Average equity | $22,065,000 | 2,954 |
| Average total loans | $190,733,000 | 2,264 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 1,385 |
| Cost of funding earning assets | 0.9737% | 251 |
| Net interest margin | 3.6415% | 3,019 |
| Noninterest income to average assets | 0.0804% | 5,460 |
| Noninterest expense to average assets | 1.3497% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2689% | 1,304 |
| Return on assets (ROA) | 1.2689% | 1,325 |
| Pretax return on assets | 2.2172% | 310 |
| Return on Equity (ROE) | 12.4644% | 1,088 |
| Retained earnings to average equity (ytd only) | 2.8948% | 3,579 |
| Net charge-offs to loans | -0.0016% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8397% | 5,560 |
| Assets per employee ($millions) | 13.0197% | 142 |
| Cash dividends to net income (ytd only)* | 76.7754% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,426 |
| Loan loss allowance to noncurrent loans | 4,686.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,033 |
| Noncurrent loans to loans | 0.0269% | 4,895 |
| Net loans and leases to total assets | 88.1334% | 133 |
| Net loans and leases to deposits | 111.7614% | 225 |
| Net loans and leases to core deposits | 162.0618% | 84 |
| Total domestic deposits to total assets | 78.8585% | 4,574 |
| Equity capital to assets | 10.4419% | 3,224 |
| Core capital (leverage) ratio | 10.2274% | 3,154 |
| Tier 1 risk-based capital ratio | 12.5909% | 4,151 |
| Total risk-based capital ratio | 13.8426% | 4,040 |
| Memoranda: | ||
| Average total assets | $205,301,000 | 2,870 |
| Average earning assets | $196,567,800 | 2,801 |
| Average equity | $20,899,600 | 3,042 |
| Average total loans | $187,419,000 | 2,258 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 1,489 |
| Cost of funding earning assets | 0.9342% | 283 |
| Net interest margin | 3.6205% | 3,066 |
| Noninterest income to average assets | 0.0900% | 5,508 |
| Noninterest expense to average assets | 1.3441% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3930% | 1,103 |
| Return on assets (ROA) | 1.3930% | 1,122 |
| Pretax return on assets | 2.2117% | 351 |
| Return on Equity (ROE) | 13.7735% | 878 |
| Retained earnings to average equity (ytd only) | 0.8830% | 5,010 |
| Net charge-offs to loans | -0.0021% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8002% | 5,621 |
| Assets per employee ($millions) | 12.3312% | 166 |
| Cash dividends to net income (ytd only)* | 93.5892% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,767 |
| Loan loss allowance to noncurrent loans | 1,551.6556% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,876 |
| Noncurrent loans to loans | 0.0790% | 4,758 |
| Net loans and leases to total assets | 90.0172% | 83 |
| Net loans and leases to deposits | 112.2010% | 213 |
| Net loans and leases to core deposits | 169.3224% | 69 |
| Total domestic deposits to total assets | 80.2285% | 4,273 |
| Equity capital to assets | 10.1507% | 3,751 |
| Core capital (leverage) ratio | 10.2229% | 3,288 |
| Tier 1 risk-based capital ratio | 12.1341% | 4,530 |
| Total risk-based capital ratio | 13.3854% | 4,427 |
| Memoranda: | ||
| Average total assets | $204,547,500 | 2,899 |
| Average earning assets | $195,807,500 | 2,833 |
| Average equity | $20,686,500 | 3,085 |
| Average total loans | $187,789,250 | 2,273 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 1,520 |
| Cost of funding earning assets | 0.8965% | 310 |
| Net interest margin | 3.5992% | 3,046 |
| Noninterest income to average assets | 0.0848% | 5,563 |
| Noninterest expense to average assets | 1.3655% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3635% | 1,144 |
| Return on assets (ROA) | 1.3635% | 1,175 |
| Pretax return on assets | 2.1671% | 377 |
| Return on Equity (ROE) | 13.4999% | 923 |
| Retained earnings to average equity (ytd only) | -6.0227% | 5,569 |
| Net charge-offs to loans | -0.0032% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6548% | 5,655 |
| Assets per employee ($millions) | 12.0651% | 171 |
| Cash dividends to net income (ytd only)* | 144.6132% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,756 |
| Loan loss allowance to noncurrent loans | 964.1975% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,725 |
| Noncurrent loans to loans | 0.1286% | 4,609 |
| Net loans and leases to total assets | 90.9876% | 56 |
| Net loans and leases to deposits | 114.1525% | 193 |
| Net loans and leases to core deposits | 171.3047% | 66 |
| Total domestic deposits to total assets | 79.7071% | 4,477 |
| Equity capital to assets | 10.0085% | 3,900 |
| Core capital (leverage) ratio | 10.1229% | 3,373 |
| Tier 1 risk-based capital ratio | 11.9283% | 4,678 |
| Total risk-based capital ratio | 13.1798% | 4,577 |
| Memoranda: | ||
| Average total assets | $202,853,330 | 2,934 |
| Average earning assets | $194,321,000 | 2,863 |
| Average equity | $20,489,000 | 3,103 |
| Average total loans | $186,703,670 | 2,289 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 1,724 |
| Cost of funding earning assets | 0.8674% | 341 |
| Net interest margin | 3.5091% | 3,245 |
| Noninterest income to average assets | 0.0535% | 5,721 |
| Noninterest expense to average assets | 1.3523% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3008% | 1,238 |
| Return on assets (ROA) | 1.3008% | 1,274 |
| Pretax return on assets | 2.0622% | 452 |
| Return on Equity (ROE) | 12.8191% | 1,037 |
| Retained earnings to average equity (ytd only) | -26.2635% | 5,778 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6051% | 5,704 |
| Assets per employee ($millions) | 12.7241% | 147 |
| Cash dividends to net income (ytd only)* | 304.8780% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,858 |
| Loan loss allowance to noncurrent loans | 1,872.0000% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 5,036 |
| Noncurrent loans to loans | 0.0665% | 4,933 |
| Net loans and leases to total assets | 91.1221% | 34 |
| Net loans and leases to deposits | 112.0933% | 173 |
| Net loans and leases to core deposits | 163.5539% | 73 |
| Total domestic deposits to total assets | 81.2914% | 4,348 |
| Equity capital to assets | 9.7227% | 4,045 |
| Core capital (leverage) ratio | 9.9755% | 3,529 |
| Tier 1 risk-based capital ratio | 11.5225% | 5,015 |
| Total risk-based capital ratio | 12.7739% | 4,918 |
| Memoranda: | ||
| Average total assets | $201,727,000 | 2,977 |
| Average earning assets | $193,211,500 | 2,898 |
| Average equity | $20,469,500 | 3,129 |
| Average total loans | $185,573,500 | 2,310 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 1,721 |
| Cost of funding earning assets | 0.8501% | 390 |
| Net interest margin | 3.5870% | 3,118 |
| Noninterest income to average assets | 0.0494% | 5,776 |
| Noninterest expense to average assets | 1.2921% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3813% | 1,047 |
| Return on assets (ROA) | 1.3813% | 1,090 |
| Pretax return on assets | 2.1943% | 330 |
| Return on Equity (ROE) | 13.6550% | 833 |
| Retained earnings to average equity (ytd only) | 13.6550% | 142 |
| Net charge-offs to loans | 0.0039% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 135 |
| Efficiency ratio | 37.0614% | 5,817 |
| Assets per employee ($millions) | 12.4918% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,668 |
| Loan loss allowance to noncurrent loans | 1,170.0000% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,922 |
| Noncurrent loans to loans | 0.1091% | 4,792 |
| Net loans and leases to total assets | 90.5373% | 59 |
| Net loans and leases to deposits | 112.6834% | 175 |
| Net loans and leases to core deposits | 164.0134% | 77 |
| Total domestic deposits to total assets | 80.3466% | 4,497 |
| Equity capital to assets | 10.5794% | 3,066 |
| Core capital (leverage) ratio | 10.7763% | 2,557 |
| Tier 1 risk-based capital ratio | 12.4781% | 4,386 |
| Total risk-based capital ratio | 13.7295% | 4,277 |
| Memoranda: | ||
| Average total assets | $196,193,400 | 2,997 |
| Average earning assets | $187,986,400 | 2,914 |
| Average equity | $19,846,200 | 3,183 |
| Average total loans | $181,536,400 | 2,296 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 1,656 |
| Cost of funding earning assets | 0.8359% | 413 |
| Net interest margin | 3.6268% | 2,980 |
| Noninterest income to average assets | 0.0471% | 5,846 |
| Noninterest expense to average assets | 1.2809% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4140% | 1,044 |
| Return on assets (ROA) | 1.4140% | 1,091 |
| Pretax return on assets | 2.2470% | 345 |
| Return on Equity (ROE) | 14.1447% | 792 |
| Retained earnings to average equity (ytd only) | 14.1447% | 163 |
| Net charge-offs to loans | 0.0029% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 823.2439% | 112 |
| Efficiency ratio | 36.3073% | 5,887 |
| Assets per employee ($millions) | 12.2161% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,662 |
| Loan loss allowance to noncurrent loans | 4,594.1176% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,398 |
| Noncurrent loans to loans | 0.0284% | 5,268 |
| Net loans and leases to total assets | 90.6834% | 57 |
| Net loans and leases to deposits | 112.9415% | 202 |
| Net loans and leases to core deposits | 160.0222% | 94 |
| Total domestic deposits to total assets | 80.2923% | 4,443 |
| Equity capital to assets | 10.5102% | 3,551 |
| Core capital (leverage) ratio | 10.5817% | 2,895 |
| Tier 1 risk-based capital ratio | 12.3844% | 4,546 |
| Total risk-based capital ratio | 13.6364% | 4,444 |
| Memoranda: | ||
| Average total assets | $195,274,500 | 3,015 |
| Average earning assets | $187,415,750 | 2,940 |
| Average equity | $19,521,500 | 3,235 |
| Average total loans | $181,096,500 | 2,305 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 1,663 |
| Cost of funding earning assets | 0.8109% | 462 |
| Net interest margin | 3.6416% | 2,931 |
| Noninterest income to average assets | 0.0451% | 5,923 |
| Noninterest expense to average assets | 1.2612% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4333% | 1,000 |
| Return on assets (ROA) | 1.4333% | 1,050 |
| Pretax return on assets | 2.2806% | 319 |
| Return on Equity (ROE) | 14.5874% | 732 |
| Retained earnings to average equity (ytd only) | 14.5874% | 159 |
| Net charge-offs to loans | 0.0044% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 556.5000% | 120 |
| Efficiency ratio | 35.6089% | 5,971 |
| Assets per employee ($millions) | 12.2839% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,800 |
| Loan loss allowance to noncurrent loans | 363.2558% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 4,185 |
| Noncurrent loans to loans | 0.3572% | 4,089 |
| Net loans and leases to total assets | 90.6793% | 51 |
| Net loans and leases to deposits | 108.9150% | 277 |
| Net loans and leases to core deposits | 146.6108% | 140 |
| Total domestic deposits to total assets | 83.2570% | 3,554 |
| Equity capital to assets | 10.1179% | 4,073 |
| Core capital (leverage) ratio | 10.2971% | 3,201 |
| Tier 1 risk-based capital ratio | 11.8092% | 4,967 |
| Total risk-based capital ratio | 13.0609% | 4,843 |
| Memoranda: | ||
| Average total assets | $195,213,670 | 3,039 |
| Average earning assets | $187,446,000 | 2,958 |
| Average equity | $19,181,000 | 3,275 |
| Average total loans | $181,598,670 | 2,298 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,647 |
| Cost of funding earning assets | 0.7979% | 497 |
| Net interest margin | 3.6550% | 2,872 |
| Noninterest income to average assets | 0.0411% | 5,994 |
| Noninterest expense to average assets | 1.2501% | 6,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4433% | 953 |
| Return on assets (ROA) | 1.4433% | 999 |
| Pretax return on assets | 2.2945% | 318 |
| Return on Equity (ROE) | 14.9136% | 683 |
| Retained earnings to average equity (ytd only) | 14.9136% | 252 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2668% | 6,031 |
| Assets per employee ($millions) | 11.5484% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 3,037 |
| Loan loss allowance to noncurrent loans | 4,428.3019% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,529 |
| Noncurrent loans to loans | 0.0288% | 5,377 |
| Net loans and leases to total assets | 92.7003% | 21 |
| Net loans and leases to deposits | 116.3090% | 124 |
| Net loans and leases to core deposits | 159.4720% | 80 |
| Total domestic deposits to total assets | 79.7017% | 4,817 |
| Equity capital to assets | 9.7722% | 4,375 |
| Core capital (leverage) ratio | 10.0039% | 3,535 |
| Tier 1 risk-based capital ratio | 11.0235% | 5,489 |
| Total risk-based capital ratio | 12.2750% | 5,402 |
| Memoranda: | ||
| Average total assets | $194,549,500 | 3,051 |
| Average earning assets | $186,486,500 | 2,977 |
| Average equity | $18,828,500 | 3,326 |
| Average total loans | $182,115,000 | 2,291 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 1,962 |
| Cost of funding earning assets | 0.8138% | 457 |
| Net interest margin | 3.5679% | 3,247 |
| Noninterest income to average assets | 0.0694% | 5,951 |
| Noninterest expense to average assets | 1.3681% | 6,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3332% | 1,196 |
| Return on assets (ROA) | 1.3403% | 1,213 |
| Pretax return on assets | 2.1305% | 399 |
| Return on Equity (ROE) | 13.6669% | 917 |
| Retained earnings to average equity (ytd only) | 2.9520% | 3,961 |
| Net charge-offs to loans | 0.0068% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 336.1667% | 208 |
| Efficiency ratio | 39.2287% | 6,076 |
| Assets per employee ($millions) | 11.3398% | 183 |
| Cash dividends to net income (ytd only)* | 78.4006% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,869 |
| Loan loss allowance to noncurrent loans | 4,267.2727% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 5,580 |
| Noncurrent loans to loans | 0.0306% | 5,388 |
| Net loans and leases to total assets | 92.0986% | 25 |
| Net loans and leases to deposits | 116.3169% | 139 |
| Net loans and leases to core deposits | 157.5685% | 83 |
| Total domestic deposits to total assets | 79.1791% | 4,945 |
| Equity capital to assets | 9.5821% | 4,460 |
| Core capital (leverage) ratio | 9.7055% | 3,898 |
| Tier 1 risk-based capital ratio | 10.8179% | 5,617 |
| Total risk-based capital ratio | 12.0696% | 5,520 |
| Memoranda: | ||
| Average total assets | $190,333,600 | 3,049 |
| Average earning assets | $182,347,200 | 2,971 |
| Average equity | $18,665,600 | 3,300 |
| Average total loans | $175,350,200 | 2,293 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 2,007 |
| Cost of funding earning assets | 0.8024% | 489 |
| Net interest margin | 3.5696% | 3,272 |
| Noninterest income to average assets | 0.0759% | 6,026 |
| Noninterest expense to average assets | 1.3837% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3270% | 1,269 |
| Return on assets (ROA) | 1.3359% | 1,303 |
| Pretax return on assets | 2.1266% | 476 |
| Return on Equity (ROE) | 13.5439% | 994 |
| Retained earnings to average equity (ytd only) | 9.9816% | 637 |
| Net charge-offs to loans | 0.0092% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 250.4938% | 279 |
| Efficiency ratio | 39.5779% | 6,139 |
| Assets per employee ($millions) | 11.2368% | 183 |
| Cash dividends to net income (ytd only)* | 26.3020% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,818 |
| Loan loss allowance to noncurrent loans | 4,191.0714% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,671 |
| Noncurrent loans to loans | 0.0324% | 5,490 |
| Net loans and leases to total assets | 89.3715% | 79 |
| Net loans and leases to deposits | 102.6788% | 512 |
| Net loans and leases to core deposits | 143.2147% | 150 |
| Total domestic deposits to total assets | 87.0399% | 2,022 |
| Equity capital to assets | 10.1269% | 4,026 |
| Core capital (leverage) ratio | 10.2118% | 3,362 |
| Tier 1 risk-based capital ratio | 11.7857% | 5,217 |
| Total risk-based capital ratio | 13.0379% | 5,129 |
| Memoranda: | ||
| Average total assets | $189,722,750 | 3,079 |
| Average earning assets | $181,792,250 | 3,002 |
| Average equity | $18,714,000 | 3,317 |
| Average total loans | $174,214,750 | 2,321 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,053 |
| Cost of funding earning assets | 0.7824% | 550 |
| Net interest margin | 3.5563% | 3,263 |
| Noninterest income to average assets | 0.0718% | 6,107 |
| Noninterest expense to average assets | 1.3757% | 6,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3231% | 1,256 |
| Return on assets (ROA) | 1.3292% | 1,287 |
| Pretax return on assets | 2.1153% | 484 |
| Return on Equity (ROE) | 13.5973% | 984 |
| Retained earnings to average equity (ytd only) | 10.8951% | 519 |
| Net charge-offs to loans | 0.0137% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 166.0833% | 398 |
| Efficiency ratio | 39.5144% | 6,212 |
| Assets per employee ($millions) | 11.1797% | 183 |
| Cash dividends to net income (ytd only)* | 19.8728% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,855 |
| Loan loss allowance to noncurrent loans | 529.7968% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 4,945 |
| Noncurrent loans to loans | 0.2602% | 4,744 |
| Net loans and leases to total assets | 88.3471% | 125 |
| Net loans and leases to deposits | 103.1161% | 494 |
| Net loans and leases to core deposits | 145.5690% | 132 |
| Total domestic deposits to total assets | 85.6773% | 2,847 |
| Equity capital to assets | 9.9724% | 4,071 |
| Core capital (leverage) ratio | 10.0135% | 3,575 |
| Tier 1 risk-based capital ratio | 11.6158% | 5,398 |
| Total risk-based capital ratio | 12.8684% | 5,310 |
| Memoranda: | ||
| Average total assets | $189,288,670 | 3,114 |
| Average earning assets | $181,482,670 | 3,032 |
| Average equity | $18,503,670 | 3,360 |
| Average total loans | $174,596,670 | 2,321 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 1,770 |
| Cost of funding earning assets | 0.7544% | 639 |
| Net interest margin | 3.6459% | 2,827 |
| Noninterest income to average assets | 0.0508% | 6,229 |
| Noninterest expense to average assets | 1.3996% | 6,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3451% | 1,149 |
| Return on assets (ROA) | 1.3573% | 1,186 |
| Pretax return on assets | 2.1598% | 424 |
| Return on Equity (ROE) | 14.0270% | 874 |
| Retained earnings to average equity (ytd only) | 14.0270% | 361 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5335% | 6,276 |
| Assets per employee ($millions) | 10.8686% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 3,082 |
| Loan loss allowance to noncurrent loans | 537.3576% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 4,985 |
| Noncurrent loans to loans | 0.2539% | 4,877 |
| Net loans and leases to total assets | 92.3146% | 23 |
| Net loans and leases to deposits | 107.6751% | 267 |
| Net loans and leases to core deposits | 151.5478% | 97 |
| Total domestic deposits to total assets | 85.7345% | 3,073 |
| Equity capital to assets | 10.0613% | 4,075 |
| Core capital (leverage) ratio | 9.9235% | 3,707 |
| Tier 1 risk-based capital ratio | 11.1406% | 5,745 |
| Total risk-based capital ratio | 12.3924% | 5,658 |
| Memoranda: | ||
| Average total assets | $188,905,500 | 3,132 |
| Average earning assets | $180,806,500 | 3,060 |
| Average equity | $18,279,000 | 3,410 |
| Average total loans | $176,767,500 | 2,298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 2,280 |
| Cost of funding earning assets | 0.7559% | 821 |
| Net interest margin | 3.6263% | 3,307 |
| Noninterest income to average assets | 0.0576% | 6,273 |
| Noninterest expense to average assets | 1.3571% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3549% | 1,180 |
| Return on assets (ROA) | 1.3851% | 1,144 |
| Pretax return on assets | 2.2058% | 313 |
| Return on Equity (ROE) | 14.0437% | 927 |
| Retained earnings to average equity (ytd only) | 3.7461% | 3,554 |
| Net charge-offs to loans | 0.0146% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 163.8333% | 329 |
| Efficiency ratio | 38.6009% | 6,416 |
| Assets per employee ($millions) | 12.0653% | 140 |
| Cash dividends to net income (ytd only)* | 73.3254% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 3,388 |
| Loan loss allowance to noncurrent loans | 3,867.2131% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 5,920 |
| Noncurrent loans to loans | 0.0338% | 5,755 |
| Net loans and leases to total assets | 92.3365% | 22 |
| Net loans and leases to deposits | 119.4561% | 103 |
| Net loans and leases to core deposits | 162.7467% | 74 |
| Total domestic deposits to total assets | 77.2974% | 5,553 |
| Equity capital to assets | 9.3077% | 4,945 |
| Core capital (leverage) ratio | 9.8360% | 3,792 |
| Tier 1 risk-based capital ratio | 10.3022% | 6,180 |
| Total risk-based capital ratio | 11.5537% | 6,122 |
| Memoranda: | ||
| Average total assets | $182,157,000 | 3,185 |
| Average earning assets | $173,702,000 | 3,114 |
| Average equity | $17,965,400 | 3,402 |
| Average total loans | $164,241,800 | 2,384 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 2,326 |
| Cost of funding earning assets | 0.7687% | 803 |
| Net interest margin | 3.6066% | 3,403 |
| Noninterest income to average assets | 0.0580% | 6,367 |
| Noninterest expense to average assets | 1.3992% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3174% | 1,322 |
| Return on assets (ROA) | 1.3583% | 1,277 |
| Pretax return on assets | 2.1638% | 398 |
| Return on Equity (ROE) | 13.5670% | 1,080 |
| Retained earnings to average equity (ytd only) | 9.1139% | 950 |
| Net charge-offs to loans | 0.0200% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 117.7472% | 503 |
| Efficiency ratio | 39.9873% | 6,453 |
| Assets per employee ($millions) | 10.7449% | 198 |
| Cash dividends to net income (ytd only)* | 32.8228% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 2,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 91.9276% | 30 |
| Net loans and leases to deposits | 111.2503% | 194 |
| Net loans and leases to core deposits | 148.2672% | 109 |
| Total domestic deposits to total assets | 82.6314% | 4,256 |
| Equity capital to assets | 10.7731% | 3,215 |
| Core capital (leverage) ratio | 10.8311% | 2,665 |
| Tier 1 risk-based capital ratio | 12.0193% | 5,469 |
| Total risk-based capital ratio | 13.2730% | 5,384 |
| Memoranda: | ||
| Average total assets | $179,435,250 | 3,241 |
| Average earning assets | $171,201,250 | 3,166 |
| Average equity | $17,964,750 | 3,422 |
| Average total loans | $160,150,000 | 2,443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,426 |
| Cost of funding earning assets | 0.7757% | 801 |
| Net interest margin | 3.5651% | 3,510 |
| Noninterest income to average assets | 0.0550% | 6,433 |
| Noninterest expense to average assets | 1.3774% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3037% | 1,297 |
| Return on assets (ROA) | 1.3037% | 1,348 |
| Pretax return on assets | 2.0776% | 458 |
| Return on Equity (ROE) | 13.3413% | 1,083 |
| Retained earnings to average equity (ytd only) | 9.4042% | 855 |
| Net charge-offs to loans | 0.0300% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 674 |
| Efficiency ratio | 39.8664% | 6,523 |
| Assets per employee ($millions) | 10.7184% | 193 |
| Cash dividends to net income (ytd only)* | 29.5110% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 2,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 89.0037% | 70 |
| Net loans and leases to deposits | 103.2189% | 390 |
| Net loans and leases to core deposits | 136.1739% | 168 |
| Total domestic deposits to total assets | 86.2281% | 2,914 |
| Equity capital to assets | 10.6114% | 3,298 |
| Core capital (leverage) ratio | 10.2058% | 3,330 |
| Tier 1 risk-based capital ratio | 12.0941% | 5,483 |
| Total risk-based capital ratio | 13.3482% | 5,407 |
| Memoranda: | ||
| Average total assets | $181,940,670 | 3,233 |
| Average earning assets | $173,514,670 | 3,155 |
| Average equity | $17,779,330 | 3,440 |
| Average total loans | $160,066,670 | 2,447 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,583 |
| Cost of funding earning assets | 0.7655% | 901 |
| Net interest margin | 3.5168% | 3,616 |
| Noninterest income to average assets | 0.0534% | 6,479 |
| Noninterest expense to average assets | 1.3827% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2609% | 1,320 |
| Return on assets (ROA) | 1.2609% | 1,374 |
| Pretax return on assets | 2.0089% | 527 |
| Return on Equity (ROE) | 13.4320% | 1,050 |
| Retained earnings to average equity (ytd only) | 10.0171% | 957 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7687% | 6,574 |
| Assets per employee ($millions) | 11.5637% | 153 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 3,108 |
| Loan loss allowance to noncurrent loans | 467.2549% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 5,339 |
| Noncurrent loans to loans | 0.3229% | 5,139 |
| Net loans and leases to total assets | 84.0908% | 232 |
| Net loans and leases to deposits | 96.2909% | 639 |
| Net loans and leases to core deposits | 127.3098% | 213 |
| Total domestic deposits to total assets | 87.3299% | 2,616 |
| Equity capital to assets | 9.6228% | 4,328 |
| Core capital (leverage) ratio | 9.7185% | 3,972 |
| Tier 1 risk-based capital ratio | 11.4823% | 5,921 |
| Total risk-based capital ratio | 12.7361% | 5,868 |
| Memoranda: | ||
| Average total assets | $187,164,000 | 3,206 |
| Average earning assets | $177,659,000 | 3,131 |
| Average equity | $17,570,000 | 3,473 |
| Average total loans | $162,602,500 | 2,425 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 2,116 |
| Cost of funding earning assets | 0.7863% | 1,283 |
| Net interest margin | 3.7377% | 2,905 |
| Noninterest income to average assets | 0.0539% | 6,541 |
| Noninterest expense to average assets | 1.3853% | 6,637 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3858% | 1,056 |
| Return on assets (ROA) | 1.3795% | 1,106 |
| Pretax return on assets | 2.1981% | 315 |
| Return on Equity (ROE) | 14.5996% | 830 |
| Retained earnings to average equity (ytd only) | 11.8679% | 330 |
| Net charge-offs to loans | 0.0753% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 32.8974% | 1,093 |
| Efficiency ratio | 38.5536% | 6,713 |
| Assets per employee ($millions) | 11.8318% | 144 |
| Cash dividends to net income (ytd only)* | 18.7110% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 3,534 |
| Loan loss allowance to noncurrent loans | 267.4523% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 4,829 |
| Noncurrent loans to loans | 0.5328% | 4,659 |
| Net loans and leases to total assets | 87.0825% | 114 |
| Net loans and leases to deposits | 114.1829% | 115 |
| Net loans and leases to core deposits | 147.0161% | 109 |
| Total domestic deposits to total assets | 76.2658% | 6,071 |
| Equity capital to assets | 9.1575% | 4,857 |
| Core capital (leverage) ratio | 9.5638% | 4,167 |
| Tier 1 risk-based capital ratio | 10.5756% | 6,343 |
| Total risk-based capital ratio | 11.8282% | 6,303 |
| Memoranda: | ||
| Average total assets | $174,333,600 | 3,343 |
| Average earning assets | $165,072,600 | 3,278 |
| Average equity | $16,473,000 | 3,631 |
| Average total loans | $155,402,800 | 2,486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,069 |
| Cost of funding earning assets | 0.8035% | 1,298 |
| Net interest margin | 3.7384% | 2,893 |
| Noninterest income to average assets | 0.0516% | 6,629 |
| Noninterest expense to average assets | 1.3959% | 6,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3842% | 1,140 |
| Return on assets (ROA) | 1.3842% | 1,185 |
| Pretax return on assets | 2.2048% | 378 |
| Return on Equity (ROE) | 14.5244% | 883 |
| Retained earnings to average equity (ytd only) | 13.2943% | 310 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7671% | 6,774 |
| Assets per employee ($millions) | 10.8510% | 185 |
| Cash dividends to net income (ytd only)* | 8.4700% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 2,912 |
| Loan loss allowance to noncurrent loans | 319.6931% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 5,079 |
| Noncurrent loans to loans | 0.5067% | 4,930 |
| Net loans and leases to total assets | 87.4470% | 97 |
| Net loans and leases to deposits | 109.5183% | 160 |
| Net loans and leases to core deposits | 129.7557% | 195 |
| Total domestic deposits to total assets | 79.8469% | 5,548 |
| Equity capital to assets | 9.7940% | 4,194 |
| Core capital (leverage) ratio | 10.0951% | 3,527 |
| Tier 1 risk-based capital ratio | 11.2929% | 6,152 |
| Total risk-based capital ratio | 12.5479% | 6,112 |
| Memoranda: | ||
| Average total assets | $170,589,750 | 3,432 |
| Average earning assets | $161,956,000 | 3,340 |
| Average equity | $16,257,250 | 3,703 |
| Average total loans | $152,444,000 | 2,532 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 1,929 |
| Cost of funding earning assets | 0.8299% | 1,260 |
| Net interest margin | 3.7439% | 2,791 |
| Noninterest income to average assets | 0.0472% | 6,679 |
| Noninterest expense to average assets | 1.3846% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3952% | 1,092 |
| Return on assets (ROA) | 1.3952% | 1,172 |
| Pretax return on assets | 2.2219% | 399 |
| Return on Equity (ROE) | 14.7798% | 849 |
| Retained earnings to average equity (ytd only) | 12.9058% | 393 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3911% | 6,823 |
| Assets per employee ($millions) | 10.8339% | 180 |
| Cash dividends to net income (ytd only)* | 12.6796% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 87.3410% | 109 |
| Net loans and leases to deposits | 101.6224% | 347 |
| Net loans and leases to core deposits | 122.2015% | 284 |
| Total domestic deposits to total assets | 85.9466% | 3,401 |
| Equity capital to assets | 10.1262% | 3,758 |
| Core capital (leverage) ratio | 9.7090% | 3,925 |
| Tier 1 risk-based capital ratio | 11.7378% | 5,964 |
| Total risk-based capital ratio | 12.9947% | 5,918 |
| Memoranda: | ||
| Average total assets | $169,581,000 | 3,466 |
| Average earning assets | $161,224,330 | 3,377 |
| Average equity | $16,008,330 | 3,769 |
| Average total loans | $151,818,000 | 2,546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 1,882 |
| Cost of funding earning assets | 0.8402% | 1,307 |
| Net interest margin | 3.7429% | 2,684 |
| Noninterest income to average assets | 0.0439% | 6,752 |
| Noninterest expense to average assets | 1.3586% | 6,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4048% | 1,014 |
| Return on assets (ROA) | 1.4048% | 1,103 |
| Pretax return on assets | 2.2366% | 386 |
| Return on Equity (ROE) | 15.4075% | 689 |
| Retained earnings to average equity (ytd only) | 15.4075% | 321 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7892% | 6,908 |
| Assets per employee ($millions) | 10.7881% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 3,250 |
| Loan loss allowance to noncurrent loans | 5,952.3810% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 6,539 |
| Noncurrent loans to loans | 0.0275% | 6,410 |
| Net loans and leases to total assets | 87.0267% | 96 |
| Net loans and leases to deposits | 100.2162% | 342 |
| Net loans and leases to core deposits | 119.3887% | 294 |
| Total domestic deposits to total assets | 86.8390% | 3,053 |
| Equity capital to assets | 9.3199% | 5,107 |
| Core capital (leverage) ratio | 9.0657% | 4,780 |
| Tier 1 risk-based capital ratio | 10.6948% | 6,523 |
| Total risk-based capital ratio | 11.9505% | 6,483 |
| Memoranda: | ||
| Average total assets | $173,117,000 | 3,446 |
| Average earning assets | $164,255,500 | 3,369 |
| Average equity | $15,784,500 | 3,849 |
| Average total loans | $155,508,500 | 2,518 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 2,294 |
| Cost of funding earning assets | 0.9504% | 1,643 |
| Net interest margin | 3.8258% | 3,125 |
| Noninterest income to average assets | 0.0463% | 6,706 |
| Noninterest expense to average assets | 1.3597% | 6,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4615% | 987 |
| Return on assets (ROA) | 1.4619% | 1,100 |
| Pretax return on assets | 2.3182% | 325 |
| Return on Equity (ROE) | 16.0923% | 650 |
| Retained earnings to average equity (ytd only) | 16.0923% | 124 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9757% | 6,983 |
| Assets per employee ($millions) | 10.8516% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,405 |
| Loan loss allowance to noncurrent loans | 1,096.4912% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 6,243 |
| Noncurrent loans to loans | 0.1440% | 6,122 |
| Net loans and leases to total assets | 89.7342% | 54 |
| Net loans and leases to deposits | 110.4322% | 151 |
| Net loans and leases to core deposits | 132.3128% | 171 |
| Total domestic deposits to total assets | 81.2573% | 5,326 |
| Equity capital to assets | 8.9169% | 5,613 |
| Core capital (leverage) ratio | 9.2966% | 4,425 |
| Tier 1 risk-based capital ratio | 9.8789% | 6,731 |
| Total risk-based capital ratio | 11.1338% | 6,695 |
| Memoranda: | ||
| Average total assets | $157,538,000 | 3,659 |
| Average earning assets | $149,512,800 | 3,565 |
| Average equity | $14,311,200 | 4,102 |
| Average total loans | $141,200,800 | 2,700 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 2,265 |
| Cost of funding earning assets | 0.9859% | 1,646 |
| Net interest margin | 3.8486% | 3,122 |
| Noninterest income to average assets | 0.0478% | 6,812 |
| Noninterest expense to average assets | 1.3575% | 7,014 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4770% | 1,063 |
| Return on assets (ROA) | 1.4765% | 1,180 |
| Pretax return on assets | 2.3510% | 368 |
| Return on Equity (ROE) | 16.1687% | 722 |
| Retained earnings to average equity (ytd only) | 16.1687% | 187 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5956% | 7,065 |
| Assets per employee ($millions) | 9.8249% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 2,827 |
| Loan loss allowance to noncurrent loans | 314.8615% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 5,409 |
| Noncurrent loans to loans | 0.5680% | 5,304 |
| Net loans and leases to total assets | 87.3414% | 105 |
| Net loans and leases to deposits | 101.2918% | 387 |
| Net loans and leases to core deposits | 114.6155% | 413 |
| Total domestic deposits to total assets | 86.2276% | 3,134 |
| Equity capital to assets | 9.4785% | 5,233 |
| Core capital (leverage) ratio | 9.3852% | 4,455 |
| Tier 1 risk-based capital ratio | 10.7751% | 6,573 |
| Total risk-based capital ratio | 12.0323% | 6,548 |
| Memoranda: | ||
| Average total assets | $153,516,250 | 3,764 |
| Average earning assets | $146,057,500 | 3,660 |
| Average equity | $14,018,500 | 4,187 |
| Average total loans | $136,925,750 | 2,791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 2,421 |
| Cost of funding earning assets | 1.0092% | 1,715 |
| Net interest margin | 3.8126% | 3,303 |
| Noninterest income to average assets | 0.0565% | 6,834 |
| Noninterest expense to average assets | 1.3461% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4696% | 1,047 |
| Return on assets (ROA) | 1.4696% | 1,174 |
| Pretax return on assets | 2.3521% | 379 |
| Return on Equity (ROE) | 16.3064% | 722 |
| Retained earnings to average equity (ytd only) | 16.3064% | 209 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3991% | 7,119 |
| Assets per employee ($millions) | 9.4016% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 2,676 |
| Loan loss allowance to noncurrent loans | 681.1989% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 6,160 |
| Noncurrent loans to loans | 0.2728% | 6,033 |
| Net loans and leases to total assets | 87.7601% | 89 |
| Net loans and leases to deposits | 101.7355% | 352 |
| Net loans and leases to core deposits | 115.7408% | 403 |
| Total domestic deposits to total assets | 86.2630% | 3,215 |
| Equity capital to assets | 9.4891% | 5,081 |
| Core capital (leverage) ratio | 9.2711% | 4,493 |
| Tier 1 risk-based capital ratio | 10.8806% | 6,552 |
| Total risk-based capital ratio | 12.1391% | 6,530 |
| Memoranda: | ||
| Average total assets | $152,289,000 | 3,800 |
| Average earning assets | $145,465,000 | 3,688 |
| Average equity | $13,724,670 | 4,252 |
| Average total loans | $135,968,000 | 2,816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 2,594 |
| Cost of funding earning assets | 1.0653% | 1,592 |
| Net interest margin | 3.7448% | 3,615 |
| Noninterest income to average assets | 0.0470% | 6,940 |
| Noninterest expense to average assets | 1.2896% | 7,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4593% | 1,101 |
| Return on assets (ROA) | 1.4593% | 1,231 |
| Pretax return on assets | 2.3365% | 432 |
| Return on Equity (ROE) | 16.6245% | 727 |
| Retained earnings to average equity (ytd only) | 16.6245% | 327 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5652% | 7,185 |
| Assets per employee ($millions) | 9.8314% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,866 |
| Loan loss allowance to noncurrent loans | 1,461.9883% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 6,605 |
| Noncurrent loans to loans | 0.1260% | 6,433 |
| Net loans and leases to total assets | 84.6602% | 170 |
| Net loans and leases to deposits | 97.3245% | 467 |
| Net loans and leases to core deposits | 115.2394% | 397 |
| Total domestic deposits to total assets | 86.9875% | 2,964 |
| Equity capital to assets | 8.7258% | 5,842 |
| Core capital (leverage) ratio | 8.8706% | 5,031 |
| Tier 1 risk-based capital ratio | 10.2106% | 6,825 |
| Total risk-based capital ratio | 11.4686% | 6,824 |
| Memoranda: | ||
| Average total assets | $153,220,500 | 3,817 |
| Average earning assets | $146,441,500 | 3,692 |
| Average equity | $13,450,000 | 4,312 |
| Average total loans | $136,695,000 | 2,829 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 1,980 |
| Cost of funding earning assets | 1.1665% | 2,239 |
| Net interest margin | 4.0547% | 2,617 |
| Noninterest income to average assets | 0.0535% | 6,817 |
| Noninterest expense to average assets | 1.4027% | 7,212 |
| Loan and lease loss provision to assets | 0.6601% | 1,544 |
| Net operating income to assets | 1.1673% | 1,619 |
| Return on assets (ROA) | 1.1673% | 1,723 |
| Pretax return on assets | 1.8571% | 720 |
| Return on Equity (ROE) | 12.7813% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.7813% | 247 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7833% | 7,258 |
| Assets per employee ($millions) | 9.3211% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,824 |
| Loan loss allowance to noncurrent loans | 2,314.8148% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,772 |
| Noncurrent loans to loans | 0.0784% | 6,618 |
| Net loans and leases to total assets | 90.6657% | 34 |
| Net loans and leases to deposits | 110.8981% | 161 |
| Net loans and leases to core deposits | 137.3528% | 182 |
| Total domestic deposits to total assets | 81.7558% | 5,209 |
| Equity capital to assets | 8.8334% | 5,754 |
| Core capital (leverage) ratio | 9.0184% | 4,747 |
| Tier 1 risk-based capital ratio | 9.5266% | 6,957 |
| Total risk-based capital ratio | 10.7836% | 6,949 |
| Memoranda: | ||
| Average total assets | $134,668,800 | 4,079 |
| Average earning assets | $128,418,000 | 3,962 |
| Average equity | $12,299,200 | 4,479 |
| Average total loans | $122,713,800 | 3,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 2,057 |
| Cost of funding earning assets | 1.1943% | 2,353 |
| Net interest margin | 4.0485% | 2,694 |
| Noninterest income to average assets | 0.0549% | 6,939 |
| Noninterest expense to average assets | 1.4742% | 7,244 |
| Loan and lease loss provision to assets | 0.7010% | 1,371 |
| Net operating income to assets | 1.0978% | 1,979 |
| Return on assets (ROA) | 1.0978% | 2,126 |
| Pretax return on assets | 1.7458% | 1,051 |
| Return on Equity (ROE) | 11.9087% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.9087% | 509 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5973% | 7,293 |
| Assets per employee ($millions) | 9.2587% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 2,943 |
| Loan loss allowance to noncurrent loans | 199.1342% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 5,100 |
| Noncurrent loans to loans | 0.9047% | 5,055 |
| Net loans and leases to total assets | 90.2729% | 38 |
| Net loans and leases to deposits | 110.6765% | 167 |
| Net loans and leases to core deposits | 147.6308% | 142 |
| Total domestic deposits to total assets | 81.5647% | 5,233 |
| Equity capital to assets | 9.1316% | 5,607 |
| Core capital (leverage) ratio | 9.2213% | 4,591 |
| Tier 1 risk-based capital ratio | 10.1788% | 6,901 |
| Total risk-based capital ratio | 11.4368% | 6,890 |
| Memoranda: | ||
| Average total assets | $131,051,500 | 4,179 |
| Average earning assets | $125,146,750 | 4,062 |
| Average equity | $12,080,500 | 4,546 |
| Average total loans | $118,963,000 | 3,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 2,093 |
| Cost of funding earning assets | 1.1913% | 2,633 |
| Net interest margin | 4.0493% | 2,617 |
| Noninterest income to average assets | 0.0529% | 7,037 |
| Noninterest expense to average assets | 1.5151% | 7,295 |
| Loan and lease loss provision to assets | 0.6836% | 1,399 |
| Net operating income to assets | 1.0791% | 1,938 |
| Return on assets (ROA) | 1.0791% | 2,036 |
| Pretax return on assets | 1.7284% | 992 |
| Return on Equity (ROE) | 11.6667% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.6667% | 568 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5805% | 7,357 |
| Assets per employee ($millions) | 8.9191% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,350 |
| Loan loss allowance to noncurrent loans | 372.0508% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 6,121 |
| Noncurrent loans to loans | 0.4551% | 6,002 |
| Net loans and leases to total assets | 88.9645% | 60 |
| Net loans and leases to deposits | 104.3595% | 306 |
| Net loans and leases to core deposits | 143.4928% | 167 |
| Total domestic deposits to total assets | 85.2482% | 3,756 |
| Equity capital to assets | 9.1541% | 5,354 |
| Core capital (leverage) ratio | 9.0059% | 4,713 |
| Tier 1 risk-based capital ratio | 9.9512% | 6,993 |
| Total risk-based capital ratio | 11.2062% | 6,993 |
| Memoranda: | ||
| Average total assets | $128,442,000 | 4,257 |
| Average earning assets | $122,886,000 | 4,129 |
| Average equity | $11,880,000 | 4,586 |
| Average total loans | $116,060,330 | 3,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 2,166 |
| Cost of funding earning assets | 1.1642% | 3,061 |
| Net interest margin | 4.0515% | 2,467 |
| Noninterest income to average assets | 0.0477% | 7,147 |
| Noninterest expense to average assets | 1.5616% | 7,330 |
| Loan and lease loss provision to assets | 0.6361% | 1,358 |
| Net operating income to assets | 1.0845% | 1,891 |
| Return on assets (ROA) | 1.0845% | 1,939 |
| Pretax return on assets | 1.7238% | 943 |
| Return on Equity (ROE) | 11.6616% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.6616% | 788 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8216% | 7,393 |
| Assets per employee ($millions) | 8.8632% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 4,220 |
| Loan loss allowance to noncurrent loans | 325.1346% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 6,157 |
| Noncurrent loans to loans | 0.4610% | 6,091 |
| Net loans and leases to total assets | 89.5260% | 50 |
| Net loans and leases to deposits | 110.2014% | 179 |
| Net loans and leases to core deposits | 126.7780% | 308 |
| Total domestic deposits to total assets | 81.2385% | 5,594 |
| Equity capital to assets | 8.9313% | 5,308 |
| Core capital (leverage) ratio | 9.2541% | 4,205 |
| Tier 1 risk-based capital ratio | 9.6453% | 7,113 |
| Total risk-based capital ratio | 10.9059% | 7,119 |
| Memoranda: | ||
| Average total assets | $125,769,500 | 4,338 |
| Average earning assets | $120,252,000 | 4,217 |
| Average equity | $11,696,500 | 4,622 |
| Average total loans | $113,554,000 | 3,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 3,198 |
| Cost of funding earning assets | 1.3845% | 3,363 |
| Net interest margin | 3.9007% | 3,487 |
| Noninterest income to average assets | 0.0661% | 7,036 |
| Noninterest expense to average assets | 1.5562% | 7,424 |
| Loan and lease loss provision to assets | 0.5130% | 3,097 |
| Net operating income to assets | 1.0561% | 1,849 |
| Return on assets (ROA) | 1.0561% | 1,948 |
| Pretax return on assets | 1.6784% | 981 |
| Return on Equity (ROE) | 10.3524% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.3524% | 458 |
| Net charge-offs to loans | 0.0025% | 6,832 |
| Credit loss provision to net charge-offs | 25,600.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,093.5000% | 12 |
| Efficiency ratio | 41.5241% | 7,477 |
| Assets per employee ($millions) | 8.4708% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 3,924 |
| Loan loss allowance to noncurrent loans | 436.3144% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 6,468 |
| Noncurrent loans to loans | 0.3472% | 6,364 |
| Net loans and leases to total assets | 88.2563% | 94 |
| Net loans and leases to deposits | 117.5208% | 133 |
| Net loans and leases to core deposits | 134.5330% | 274 |
| Total domestic deposits to total assets | 75.0984% | 6,757 |
| Equity capital to assets | 9.7132% | 4,105 |
| Core capital (leverage) ratio | 10.3255% | 2,743 |
| Tier 1 risk-based capital ratio | 10.6401% | 6,610 |
| Total risk-based capital ratio | 11.8935% | 6,574 |
| Memoranda: | ||
| Average total assets | $99,797,200 | 4,990 |
| Average earning assets | $94,187,400 | 4,886 |
| Average equity | $10,181,200 | 5,082 |
| Average total loans | $80,018,800 | 4,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 3,259 |
| Cost of funding earning assets | 1.4636% | 3,196 |
| Net interest margin | 3.8556% | 3,728 |
| Noninterest income to average assets | 0.0617% | 7,216 |
| Noninterest expense to average assets | 1.6600% | 7,461 |
| Loan and lease loss provision to assets | 0.2454% | 4,638 |
| Net operating income to assets | 1.1244% | 1,809 |
| Return on assets (ROA) | 1.1244% | 1,920 |
| Pretax return on assets | 1.7834% | 960 |
| Return on Equity (ROE) | 10.8595% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.8595% | 623 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0019% | 7,426 |
| Assets per employee ($millions) | 8.0118% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 4,285 |
| Loan loss allowance to noncurrent loans | 99.4540% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,691 |
| Noncurrent loans to loans | 1.4430% | 4,451 |
| Net loans and leases to total assets | 84.0754% | 327 |
| Net loans and leases to deposits | 106.8359% | 329 |
| Net loans and leases to core deposits | 124.4680% | 487 |
| Total domestic deposits to total assets | 78.6958% | 6,088 |
| Equity capital to assets | 9.9325% | 4,244 |
| Core capital (leverage) ratio | 9.7256% | 3,586 |
| Tier 1 risk-based capital ratio | 11.0208% | 6,360 |
| Total risk-based capital ratio | 12.2696% | 6,342 |
| Memoranda: | ||
| Average total assets | $95,098,750 | 5,184 |
| Average earning assets | $89,460,250 | 5,093 |
| Average equity | $9,846,750 | 5,242 |
| Average total loans | $73,455,000 | 4,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 3,970 |
| Cost of funding earning assets | 1.4194% | 3,748 |
| Net interest margin | 3.7790% | 3,996 |
| Noninterest income to average assets | 0.0608% | 7,283 |
| Noninterest expense to average assets | 1.5638% | 7,586 |
| Loan and lease loss provision to assets | 0.1955% | 4,921 |
| Net operating income to assets | 1.1577% | 1,679 |
| Return on assets (ROA) | 1.1577% | 1,740 |
| Pretax return on assets | 1.8462% | 816 |
| Return on Equity (ROE) | 11.0116% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.0116% | 655 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3735% | 7,541 |
| Assets per employee ($millions) | 8.8067% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,832 |
| Loan loss allowance to noncurrent loans | 198.9967% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 6,063 |
| Noncurrent loans to loans | 0.7621% | 5,749 |
| Net loans and leases to total assets | 73.1198% | 2,137 |
| Net loans and leases to deposits | 95.7902% | 1,066 |
| Net loans and leases to core deposits | 102.6052% | 1,774 |
| Total domestic deposits to total assets | 76.3333% | 6,619 |
| Equity capital to assets | 9.5032% | 4,696 |
| Core capital (leverage) ratio | 10.1751% | 2,969 |
| Tier 1 risk-based capital ratio | 12.2226% | 5,100 |
| Total risk-based capital ratio | 13.4752% | 5,074 |
| Memoranda: | ||
| Average total assets | $92,080,670 | 5,313 |
| Average earning assets | $86,372,670 | 5,225 |
| Average equity | $9,680,670 | 5,292 |
| Average total loans | $68,326,000 | 4,850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 3,767 |
| Cost of funding earning assets | 1.4378% | 3,945 |
| Net interest margin | 3.8159% | 3,722 |
| Noninterest income to average assets | 0.0657% | 7,392 |
| Noninterest expense to average assets | 1.5478% | 7,689 |
| Loan and lease loss provision to assets | 0.3049% | 3,600 |
| Net operating income to assets | 1.1726% | 1,612 |
| Return on assets (ROA) | 1.1726% | 1,694 |
| Pretax return on assets | 1.8105% | 861 |
| Return on Equity (ROE) | 10.5269% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.5269% | 1,033 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2535% | 7,671 |
| Assets per employee ($millions) | 8.0945% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,110 |
| Loan loss allowance to noncurrent loans | 10,590.9091% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,466 |
| Noncurrent loans to loans | 0.0159% | 7,380 |
| Net loans and leases to total assets | 76.2565% | 1,486 |
| Net loans and leases to deposits | 106.1188% | 418 |
| Net loans and leases to core deposits | 115.6281% | 961 |
| Total domestic deposits to total assets | 71.8595% | 7,276 |
| Equity capital to assets | 10.8458% | 2,902 |
| Core capital (leverage) ratio | 11.2283% | 2,073 |
| Tier 1 risk-based capital ratio | 13.8015% | 3,797 |
| Total risk-based capital ratio | 15.0570% | 3,747 |
| Memoranda: | ||
| Average total assets | $85,281,000 | 5,592 |
| Average earning assets | $80,401,000 | 5,490 |
| Average equity | $9,499,500 | 5,384 |
| Average total loans | $63,257,500 | 5,127 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 4,579 |
| Cost of funding earning assets | 1.7164% | 4,422 |
| Net interest margin | 3.7060% | 4,115 |
| Noninterest income to average assets | 0.2429% | 6,358 |
| Noninterest expense to average assets | 1.3642% | 7,854 |
| Loan and lease loss provision to assets | 0.4171% | 4,314 |
| Net operating income to assets | 1.2427% | 1,149 |
| Return on assets (ROA) | 1.2427% | 1,201 |
| Pretax return on assets | 1.9555% | 445 |
| Return on Equity (ROE) | 11.2761% | 1,360 |
| Retained earnings to average equity (ytd only) | 4.5973% | 2,036 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5069% | 7,898 |
| Assets per employee ($millions) | 10.1904% | 248 |
| Cash dividends to net income (ytd only)* | 59.2300% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 2,225 |
| Loan loss allowance to noncurrent loans | 6,875.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 7,476 |
| Noncurrent loans to loans | 0.0278% | 7,365 |
| Net loans and leases to total assets | 69.1241% | 3,454 |
| Net loans and leases to deposits | 89.0589% | 2,377 |
| Net loans and leases to core deposits | 105.4235% | 3,407 |
| Total domestic deposits to total assets | 77.6161% | 6,317 |
| Equity capital to assets | 11.4593% | 2,343 |
| Core capital (leverage) ratio | 11.5749% | 1,878 |
| Tier 1 risk-based capital ratio | 15.6295% | 2,661 |
| Total risk-based capital ratio | 16.8862% | 2,609 |
| Memoranda: | ||
| Average total assets | $81,513,600 | 5,686 |
| Average earning assets | $76,847,400 | 5,565 |
| Average equity | $8,983,600 | 5,612 |
| Average total loans | $57,560,000 | 5,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 4,815 |
| Cost of funding earning assets | 1.7759% | 4,501 |
| Net interest margin | 3.6505% | 4,271 |
| Noninterest income to average assets | 0.2176% | 6,674 |
| Noninterest expense to average assets | 1.3266% | 7,949 |
| Loan and lease loss provision to assets | 0.3680% | 4,110 |
| Net operating income to assets | 1.2415% | 1,367 |
| Return on assets (ROA) | 1.2415% | 1,434 |
| Pretax return on assets | 1.9727% | 571 |
| Return on Equity (ROE) | 11.3781% | 1,518 |
| Retained earnings to average equity (ytd only) | 2.3835% | 3,990 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1731% | 7,973 |
| Assets per employee ($millions) | 9.9080% | 278 |
| Cash dividends to net income (ytd only)* | 79.0518% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,533 |
| Loan loss allowance to noncurrent loans | 834.7458% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 7,168 |
| Noncurrent loans to loans | 0.2067% | 6,984 |
| Net loans and leases to total assets | 70.7799% | 3,321 |
| Net loans and leases to deposits | 101.7262% | 946 |
| Net loans and leases to core deposits | 117.3040% | 2,490 |
| Total domestic deposits to total assets | 69.5789% | 7,448 |
| Equity capital to assets | 11.5677% | 2,535 |
| Core capital (leverage) ratio | 11.5344% | 2,058 |
| Tier 1 risk-based capital ratio | 15.2471% | 2,931 |
| Total risk-based capital ratio | 16.4468% | 2,895 |
| Memoranda: | ||
| Average total assets | $81,511,250 | 5,710 |
| Average earning assets | $77,029,000 | 5,591 |
| Average equity | $8,894,000 | 5,685 |
| Average total loans | $57,587,000 | 5,398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 5,138 |
| Cost of funding earning assets | 1.8474% | 4,526 |
| Net interest margin | 3.5559% | 4,550 |
| Noninterest income to average assets | 0.2747% | 6,300 |
| Noninterest expense to average assets | 1.3494% | 8,036 |
| Loan and lease loss provision to assets | 0.3112% | 4,082 |
| Net operating income to assets | 1.2448% | 1,372 |
| Return on assets (ROA) | 1.2448% | 1,446 |
| Pretax return on assets | 1.9742% | 597 |
| Return on Equity (ROE) | 11.6333% | 1,524 |
| Retained earnings to average equity (ytd only) | -1.9995% | 5,742 |
| Net charge-offs to loans | 0.0035% | 6,572 |
| Credit loss provision to net charge-offs | 12,800.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 940.0000% | 28 |
| Efficiency ratio | 37.1237% | 8,057 |
| Assets per employee ($millions) | 10.1456% | 252 |
| Cash dividends to net income (ytd only)* | 117.1875% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 2,691 |
| Loan loss allowance to noncurrent loans | 4,440.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,564 |
| Noncurrent loans to loans | 0.0363% | 7,448 |
| Net loans and leases to total assets | 66.8157% | 4,396 |
| Net loans and leases to deposits | 88.3356% | 3,122 |
| Net loans and leases to core deposits | 105.5941% | 3,883 |
| Total domestic deposits to total assets | 75.6385% | 6,631 |
| Equity capital to assets | 10.9136% | 3,006 |
| Core capital (leverage) ratio | 10.7379% | 2,620 |
| Tier 1 risk-based capital ratio | 15.3860% | 2,863 |
| Total risk-based capital ratio | 16.6061% | 2,801 |
| Memoranda: | ||
| Average total assets | $82,260,330 | 5,726 |
| Average earning assets | $77,731,000 | 5,606 |
| Average equity | $8,802,330 | 5,748 |
| Average total loans | $57,753,330 | 5,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 4,864 |
| Cost of funding earning assets | 1.9386% | 4,441 |
| Net interest margin | 3.5704% | 4,451 |
| Noninterest income to average assets | 0.1401% | 7,298 |
| Noninterest expense to average assets | 1.2269% | 8,104 |
| Loan and lease loss provision to assets | 0.3430% | 3,271 |
| Net operating income to assets | 1.2221% | 1,590 |
| Return on assets (ROA) | 1.2221% | 1,695 |
| Pretax return on assets | 1.9418% | 739 |
| Return on Equity (ROE) | 11.5334% | 1,799 |
| Retained earnings to average equity (ytd only) | -15.8186% | 7,483 |
| Net charge-offs to loans | 0.0068% | 5,592 |
| Credit loss provision to net charge-offs | 7,100.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 64 |
| Efficiency ratio | 34.9381% | 8,116 |
| Assets per employee ($millions) | 9.0461% | 352 |
| Cash dividends to net income (ytd only)* | 237.1542% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 3,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.2442% | 4,076 |
| Net loans and leases to deposits | 90.6231% | 2,835 |
| Net loans and leases to core deposits | 110.0632% | 3,431 |
| Total domestic deposits to total assets | 75.3055% | 6,641 |
| Equity capital to assets | 10.6074% | 3,364 |
| Core capital (leverage) ratio | 10.4175% | 3,015 |
| Tier 1 risk-based capital ratio | 15.1331% | 2,997 |
| Total risk-based capital ratio | 16.3853% | 2,943 |
| Memoranda: | ||
| Average total assets | $82,808,000 | 5,712 |
| Average earning assets | $78,199,000 | 5,615 |
| Average equity | $8,774,500 | 5,783 |
| Average total loans | $59,070,500 | 5,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 6,070 |
| Cost of funding earning assets | 2.5314% | 4,039 |
| Net interest margin | 3.3612% | 5,814 |
| Noninterest income to average assets | 0.1175% | 7,536 |
| Noninterest expense to average assets | 1.2426% | 8,146 |
| Loan and lease loss provision to assets | 0.0217% | 7,122 |
| Net operating income to assets | 1.2744% | 1,556 |
| Return on assets (ROA) | 1.2810% | 1,490 |
| Pretax return on assets | 2.0243% | 566 |
| Return on Equity (ROE) | 11.8164% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.9259% | 1,562 |
| Net charge-offs to loans | 0.0143% | 6,694 |
| Credit loss provision to net charge-offs | 212.5000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 199.2500% | 238 |
| Efficiency ratio | 37.9042% | 8,160 |
| Assets per employee ($millions) | 9.3557% | 314 |
| Cash dividends to net income (ytd only)* | 49.8504% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,305 |
| Loan loss allowance to noncurrent loans | 7,600.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 7,575 |
| Noncurrent loans to loans | 0.0162% | 7,470 |
| Net loans and leases to total assets | 72.4338% | 3,496 |
| Net loans and leases to deposits | 107.0376% | 1,041 |
| Net loans and leases to core deposits | 126.5379% | 2,124 |
| Total domestic deposits to total assets | 67.6714% | 7,501 |
| Equity capital to assets | 10.5854% | 3,408 |
| Core capital (leverage) ratio | 11.6254% | 2,176 |
| Tier 1 risk-based capital ratio | 13.4640% | 3,843 |
| Total risk-based capital ratio | 14.6141% | 3,801 |
| Memoranda: | ||
| Average total assets | $78,300,600 | 5,759 |
| Average earning assets | $73,633,800 | 5,679 |
| Average equity | $8,488,200 | 5,909 |
| Average total loans | $55,866,800 | 5,455 |